| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 28 370 17TH STREET, SUITE 5500 · DENVER, CO 802025656 | Investment Management | $484,464 |
HILLTOP NATIONAL BANK6+ years Service code 15 · EIN 83-0202762 300 COUNTRY CLUB ROAD · CASPER, WY 82609 | Recordkeeping | $96,756 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $119,459 | $94,621+26.2% | $138,135-13.5% | $73,415+62.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.7%+21.3pp | 72.2%+27.8pp |
| Annual return | 10.60% | 16.57%-6.0pp | 20.51%-9.9pp | 59.30%-48.7pp |
| Employer contribution / active EE | $7,307 | $4,410+65.7% | $5,587+30.8% | $2,234+227.1% |
| Participant deferral / active EE | $0 | $6,199-100.0% | $6,431-100.0% | $3,806-100.0% |
| Admin fee / account holder | $429 | $140+206.3% | $11,856-96.4% | $158+172.0% |